Call reports 2004
CORNERSTONE BANK — 2004
What CORNERSTONE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 379,258,000 | 384,347,000 | 397,607,000 | 390,451,000 |
| Total loans | 219,540,000 | 226,563,000 | 234,588,000 | 231,201,000 |
| Allowance for loan losses | 3,260,000 | 3,202,000 | 3,316,000 | 3,398,000 |
| Securities available for sale | 54,835,000 | 54,334,000 | 52,993,000 | 45,149,000 |
| Securities held to maturity | 66,564,000 | 67,332,000 | 70,524,000 | 71,596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,879,000 | 338,378,000 | 344,793,000 | 352,093,000 |
| Interest-bearing deposits | 287,538,000 | 287,031,000 | 299,125,000 | 302,759,000 |
| Noninterest-bearing deposits | 54,341,000 | 51,347,000 | 45,668,000 | 49,334,000 |
| Equity capital | 30,443,000 | 29,529,000 | 30,820,000 | 30,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,917,000 | 9,878,000 | 15,202,000 | 20,510,000 |
| Interest expense | 1,334,000 | 2,667,000 | 4,130,000 | 5,800,000 |
| Net interest income | 3,583,000 | 7,211,000 | 11,072,000 | 14,710,000 |
| Noninterest income | 1,377,000 | 2,660,000 | 3,944,000 | 5,608,000 |
| Noninterest expense | 3,356,000 | 6,789,000 | 10,268,000 | 14,058,000 |
| Provision for loan losses | 75,000 | 169,000 | 274,000 | 379,000 |
| Pretax income | 1,535,000 | 2,919,000 | 4,480,000 | 5,888,000 |
| Income tax | 40,000 | 80,000 | 120,000 | 161,000 |
| Net income | 1,495,000 | 2,839,000 | 4,360,000 | 5,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,875,000 | 28,319,000 | 28,940,000 | 29,407,000 |
| Total capital | 30,933,000 | 31,474,000 | 32,199,000 | 32,632,000 |
| Risk-weighted assets | 244,373,000 | 252,389,000 | 260,706,000 | 257,845,000 |
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